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Side-by-side financial comparison of TOMPKINS FINANCIAL CORP (TMP) and UNIVERSAL TECHNICAL INSTITUTE INC (UTI). Click either name above to swap in a different company.
UNIVERSAL TECHNICAL INSTITUTE INC is the larger business by last-quarter revenue ($220.8M vs $194.8M, roughly 1.1× TOMPKINS FINANCIAL CORP). TOMPKINS FINANCIAL CORP runs the higher net margin — 49.4% vs 5.8%, a 43.6% gap on every dollar of revenue. On growth, TOMPKINS FINANCIAL CORP posted the faster year-over-year revenue change (152.7% vs 9.6%). TOMPKINS FINANCIAL CORP produced more free cash flow last quarter ($31.9M vs $-19.2M). Over the past eight quarters, TOMPKINS FINANCIAL CORP's revenue compounded faster (63.6% CAGR vs 9.5%).
Tompkins Financial Corporation is a small, diversified financial services company based in Ithaca, New York. It is the parent of the Tompkins Trust Company, as well as several other banks, an insurance agency, and a wealth management division.
Universal Technical Institute, Inc. (UTI) is a private for-profit system of technical colleges in the United States. It was established in 1965 by Robert Sweet.
TMP vs UTI — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $194.8M | $220.8M |
| Net Profit | $96.2M | $12.8M |
| Gross Margin | — | — |
| Operating Margin | 71.7% | 7.1% |
| Net Margin | 49.4% | 5.8% |
| Revenue YoY | 152.7% | 9.6% |
| Net Profit YoY | 388.9% | -42.1% |
| EPS (diluted) | $6.72 | $0.23 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $194.8M | $220.8M | ||
| Q3 25 | $87.4M | $222.4M | ||
| Q2 25 | $82.6M | $204.3M | ||
| Q1 25 | $81.7M | $207.4M | ||
| Q4 24 | $77.1M | $201.4M | ||
| Q3 24 | $76.6M | $196.4M | ||
| Q2 24 | $72.7M | $177.5M | ||
| Q1 24 | $72.8M | $184.2M |
| Q4 25 | $96.2M | $12.8M | ||
| Q3 25 | $23.7M | $18.8M | ||
| Q2 25 | $21.5M | $10.7M | ||
| Q1 25 | $19.7M | $11.4M | ||
| Q4 24 | $19.7M | $22.2M | ||
| Q3 24 | $18.6M | $18.8M | ||
| Q2 24 | $15.7M | $5.0M | ||
| Q1 24 | $16.9M | $7.8M |
| Q4 25 | 71.7% | 7.1% | ||
| Q3 25 | 35.6% | 11.2% | ||
| Q2 25 | 34.2% | 6.9% | ||
| Q1 25 | 31.6% | 8.1% | ||
| Q4 24 | 33.4% | 13.6% | ||
| Q3 24 | 32.0% | 13.3% | ||
| Q2 24 | 28.3% | 4.2% | ||
| Q1 24 | 30.4% | 6.1% |
| Q4 25 | 49.4% | 5.8% | ||
| Q3 25 | 27.1% | 8.4% | ||
| Q2 25 | 26.0% | 5.2% | ||
| Q1 25 | 24.1% | 5.5% | ||
| Q4 24 | 25.5% | 11.0% | ||
| Q3 24 | 24.3% | 9.6% | ||
| Q2 24 | 21.6% | 2.8% | ||
| Q1 24 | 23.2% | 4.2% |
| Q4 25 | $6.72 | $0.23 | ||
| Q3 25 | $1.65 | $0.33 | ||
| Q2 25 | $1.50 | $0.19 | ||
| Q1 25 | $1.37 | $0.21 | ||
| Q4 24 | $1.39 | $0.40 | ||
| Q3 24 | $1.30 | $0.35 | ||
| Q2 24 | $1.10 | $0.09 | ||
| Q1 24 | $1.18 | $0.14 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $132.8M | $162.8M |
| Total DebtLower is stronger | — | $101.4M |
| Stockholders' EquityBook value | $938.4M | $335.9M |
| Total Assets | $8.7B | $834.0M |
| Debt / EquityLower = less leverage | — | 0.30× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $132.8M | $162.8M | ||
| Q3 25 | $193.5M | $169.1M | ||
| Q2 25 | $212.6M | $70.7M | ||
| Q1 25 | $193.1M | $96.0M | ||
| Q4 24 | $134.4M | $172.0M | ||
| Q3 24 | $132.3M | $161.9M | ||
| Q2 24 | $70.9M | $115.5M | ||
| Q1 24 | $57.1M | $116.1M |
| Q4 25 | — | $101.4M | ||
| Q3 25 | — | $87.1M | ||
| Q2 25 | — | $73.8M | ||
| Q1 25 | — | $94.4M | ||
| Q4 24 | — | $120.1M | ||
| Q3 24 | — | $125.7M | ||
| Q2 24 | — | $137.3M | ||
| Q1 24 | — | $141.9M |
| Q4 25 | $938.4M | $335.9M | ||
| Q3 25 | $788.8M | $328.1M | ||
| Q2 25 | $761.8M | $306.8M | ||
| Q1 25 | $741.4M | $293.9M | ||
| Q4 24 | $713.4M | $280.0M | ||
| Q3 24 | $719.9M | $260.2M | ||
| Q2 24 | $674.6M | $239.4M | ||
| Q1 24 | $667.9M | $232.6M |
| Q4 25 | $8.7B | $834.0M | ||
| Q3 25 | $8.5B | $826.1M | ||
| Q2 25 | $8.4B | $740.8M | ||
| Q1 25 | $8.2B | $720.4M | ||
| Q4 24 | $8.1B | $753.8M | ||
| Q3 24 | $8.0B | $744.6M | ||
| Q2 24 | $7.9B | $706.0M | ||
| Q1 24 | $7.8B | $702.1M |
| Q4 25 | — | 0.30× | ||
| Q3 25 | — | 0.27× | ||
| Q2 25 | — | 0.24× | ||
| Q1 25 | — | 0.32× | ||
| Q4 24 | — | 0.43× | ||
| Q3 24 | — | 0.48× | ||
| Q2 24 | — | 0.57× | ||
| Q1 24 | — | 0.61× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $38.9M | $3.1M |
| Free Cash FlowOCF − Capex | $31.9M | $-19.2M |
| FCF MarginFCF / Revenue | 16.4% | -8.7% |
| Capex IntensityCapex / Revenue | 3.6% | 10.1% |
| Cash ConversionOCF / Net Profit | 0.40× | 0.24× |
| TTM Free Cash FlowTrailing 4 quarters | $105.0M | $16.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $38.9M | $3.1M | ||
| Q3 25 | $34.9M | $57.1M | ||
| Q2 25 | $18.9M | $18.1M | ||
| Q1 25 | $22.2M | $-789.0K | ||
| Q4 24 | $95.0M | $23.0M | ||
| Q3 24 | $21.2M | $67.5M | ||
| Q2 24 | $27.3M | $10.0M | ||
| Q1 24 | $23.2M | $-2.5M |
| Q4 25 | $31.9M | $-19.2M | ||
| Q3 25 | $33.9M | $40.6M | ||
| Q2 25 | $18.3M | $6.8M | ||
| Q1 25 | $20.9M | $-11.7M | ||
| Q4 24 | $88.8M | $19.6M | ||
| Q3 24 | $18.9M | $60.0M | ||
| Q2 24 | $26.3M | $3.0M | ||
| Q1 24 | $21.9M | $-8.4M |
| Q4 25 | 16.4% | -8.7% | ||
| Q3 25 | 38.8% | 18.3% | ||
| Q2 25 | 22.1% | 3.4% | ||
| Q1 25 | 25.5% | -5.7% | ||
| Q4 24 | 115.1% | 9.7% | ||
| Q3 24 | 24.7% | 30.6% | ||
| Q2 24 | 36.2% | 1.7% | ||
| Q1 24 | 30.0% | -4.6% |
| Q4 25 | 3.6% | 10.1% | ||
| Q3 25 | 1.1% | 7.4% | ||
| Q2 25 | 0.8% | 5.5% | ||
| Q1 25 | 1.7% | 5.3% | ||
| Q4 24 | 8.1% | 1.7% | ||
| Q3 24 | 2.9% | 3.8% | ||
| Q2 24 | 1.3% | 4.0% | ||
| Q1 24 | 1.9% | 3.2% |
| Q4 25 | 0.40× | 0.24× | ||
| Q3 25 | 1.47× | 3.04× | ||
| Q2 25 | 0.88× | 1.69× | ||
| Q1 25 | 1.13× | -0.07× | ||
| Q4 24 | 4.82× | 1.04× | ||
| Q3 24 | 1.14× | 3.58× | ||
| Q2 24 | 1.74× | 2.01× | ||
| Q1 24 | 1.38× | -0.32× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
TMP
Segment breakdown not available.
UTI
| UTI | $142.8M | 65% |
| Concorde | $78.0M | 35% |
